Motorcycle Insurance Claim Attorney in St. Louis
Motorcycle Accident Insurance Problems
Insurance isn’t likely to be the first thing most people think of after they’ve been in a serious motorcycle accident. Unfortunately, insurance is a very important part of any serious accident, because it provides the funding for the expensive medical treatment and repairs that victims need to get back on the road. If there’s a dispute about insurance — and there often is — you could find yourself waiting months for payment of your claim, fighting a forest of red tape or defending yourself from an insurer’s claim that you were at fault.
Is My Insurance Company on my Side?
In any accident, one of the most important things to know about your insurance company is that it’s there to make a profit. That means it’s not necessarily on your side, especially if you have a very expensive claim. Some insurance agents will intentionally offer you a lower settlement than you’re entitled to. A few may even try to incorrectly assign you the fault for the accident, or deny coverage in other ways. Most people don’t realize it, but you have every right to politely reject their first offer and negotiate. If they won’t negotiate, or if you need help, call Page Law. Because he specializes in representing seriously injured accident victims, he has the legal knowledge, insurance experience and negotiating skill to resolve your claim favorably and quickly.
Insurance Companies Often:
- Fail to investigate a claim properly
- Refuse to settle a claim
- Fail to adequately reimburse you as stated in your policy
- Unnecessarily delay payments to you
- Unreasonably deny your claim
Uninsured and Underinsured Motorists
Another common problem for many riders is uninsured and underinsured motorists. Auto insurance is required by law in Missouri, but there’s an increasing number of drivers who ignore that law. If you’re hit by one of them, you may be stuck with the bills — even if the driver was 100% at fault. Unless you have uninsured/underinsured motorist coverage or medical and collision coverage, the money may just not be available. You may believe you’re fully covered — but in Missouri, having all the legally required coverage doesn’t cover your injuries, just those of anyone you might hit. This is also true when you were “hit and run”; insurance companies should treat this like a collision with an uninsured motorist, but they often refuse to. Page Law feels so strongly about this issue that the firm offers free consultations to riders who want to know more about what coverage will protect them fully.
Custom Bikes and Motorcycles
Owners of customized bikes and other expensive types of motorcycle may also have trouble collecting payments for the full value of their vehicles. Insurance companies use standardized reference lists to come up with the value they assign your motorcycle, using only the make, model and year. But if you’ve made expensive modifications to your motorcycle, it’s probably worth far more than its “blue book” value. You may have to show them receipts, sale prices for similar motorcycles or other documentation. Owners of expensive touring bikes and theft-prone supersports may also run into problems. If this sounds familiar, call Page Law for help.
Why Do Insurance Companies Continue to Act Like This?
Your insurance company has responsibilities to their shareholders to keep their profits high and their costs relatively low. As a result, they may attempt to deny claims that they are legally responsible to pay or they may attempt to negotiate claims that are in their company’s best interests. But insurance companies also have a responsibility to YOU — their client. Luckily, the law is on your side and a Missouri motorcycle accident attorney can help you receive the compensation you deserve after a motorcycle collision.
Contact Page Law
If you’ve faithfully paid your motorcycle insurance premiums, you’ve kept up your end of the contract with your insurance company. If they refuse to pay a legitimate claim, keep you waiting for weeks or undervalue your claim, they’re not keeping up their end. If you think your insurance company is acting in bad faith, you have the right to answers. A St. Louis personal injury lawyer at Page Law can help. To learn more about your rights when dealing with motorcycle insurance companies, contact us for a free consultation. You can fill out our confidential online consultation form, or call us at (314) 322-8515.
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